All Forum Posts by: Kelly Schroeder

Even with tighter spreads, I’m seeing investors find momentum by focusing on flips that check these boxes:

- Strong ARV supported by comps
- Cosmetic rehabs (paint, floors, landscaping) that add quick value
- Areas with high buyer demand but low updated inventory

For those flipping in today’s market:

- How are you keeping projects profitable as costs shift?
- Are you leaning more on speed, volume, or creative financing to scale?
- What’s your biggest strategy for keeping the “momentum” alive in 2025?

Looking forward to hearing what’s working in your market.

I've been hearing a lot about investors using DSCR loans to scale beyond conventional caps. Since the approval is based on property income, not W2s, it seems to line up well with building momentum in 2025.

For lenders and investors here:

- Do you see DSCR as a sustainable way to scale portfolios long-term?
- Are terms improving or tightening this year compared to past years?
- Any creative structures you’ve seen borrowers use to maximize DSCR approvals?

Would love to hear the community's perspective on whether DSCR is still the go-to tool for scaling strategies.

Some investors I work with are building new construction rentals to add to their portfolios instead of only acquiring older homes.

From a property management standpoint, I’m curious:

- Do you find brand-new builds easier to manage (fewer maintenance calls)?
- Or do issues like warranty claims, HOAs, and tenant expectations bring their own challenges?
- Have you noticed tenant retention differs between new vs. older units?

For PMs and landlords — how does managing new builds compare in your experience?

I’m curious how many here are using bridge loans to stay competitive in this market. 🏡
They’ve been a huge factor for investors I work with who can’t afford delays when equity is tied up or conventional lenders move too slowly.

Are you finding bridge financing helpful in keeping your deal momentum going?

Let's talk!

📞 608-716-2615
📧 [email protected]
🌐 www.havenbridgecapitol.com

Flippers — have you considered using DSCR loans as your exit strategy?
I’ve seen investors rehab, sell a few, then start keeping properties long-term by refinancing with DSCR.

Curious — has anyone here used DSCR to scale from flipping into rentals?

Refinancing has been a key move for many landlords looking to expand.
Cash-out refis can free up capital for new acquisitions while rate-term refis improve monthly cash flow.

Have you refinanced lately, and if so, did you use the funds to scale or just improve your position?

With tighter margins, not every flip makes sense in today’s market.
I’ve noticed cosmetic-heavy rehabs and well-located starter homes still moving quickly.

For those flipping right now — what’s been working for you?

For property managers and landlords — have you noticed a big difference between managing new builds vs. older inventory?
Some investors I know are shifting toward new construction because of fewer maintenance headaches and stronger tenant demand.

Would love to hear what you’re seeing.

I've been seeing a lot of momentum from investors using DSCR loans to expand faster than conventional financing allows.
Pairing DSCR with bridge loans seems to be helping many keep deals moving without big capital hurdles.

Is DSCR part of your scaling strategy this year?

I've been talking with investors who started with flips but now want to hold rentals without hitting the wall of conventional financing. DSCR loans keep coming up as a tool for that.

For those who’ve made the shift:
- Did DSCR help you scale faster into buy-and-hold?
- Were the cash flow metrics tough to meet compared to traditional approvals?
- Any lessons from moving from short-term profit (flips) to long-term holds with DSCR?

I’d love to hear how you’re balancing flips and rentals while keeping momentum.